Sharon Alt, whose radio show I listen to from time to time, has written a good article on the evolution of consumer directed health plans and health/medical savings accounts. They've been around for about 4 years, and legislation has been enacted to better them several times. They seem to be just about there.
The main issues are to get the premiums down even more to justify the high deductibles, while considering the likelihood of consumers to get better deals when shopping for care, and allowing coverage for medication to treat chronic diseases (classifying it as "preventive"). The main objection I hear about these plans is from people who have expensive medication that would eat up the deductible (and therefore, the HSA money) and likely make the plan more expensive for the insured.
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